Microsoft Account on Windows 8.1

When I installed windows 8 it insisted on creating a sign-in with a Windows account. I did so, but I quickly created another account that I used almost all the time.

I can see some of the features of signing-in with a Windows account, but my thinking is that when you have access to the web like this, the web then has access to you. I have a lot of personal files on my machine I would not like broken into.

Anyone have any practical advice on logging in with a Windows account - the pros and cons?

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